About Silvercap Wealth Management

Silvercap Wealth Management is an independent investment management and financial planning firm located in West Des Moines, Iowa. At Silvercap, we pride ourselves on being a ?one-stop shop? for comprehensive and fully integrated wealth management. Silvercap was born from a vision of creating a small, independent firm, able to deliver unbiased and personalized service to our clients. We are able to achieve this by always focusing on our clients financial goals, and taking a proactive approach to changes in the market and our client?s lives.

At Silvercap, our team is experienced working with a wide array of financial situations. Just as a good quarterback needs a good offense, we utilize a vast network of experts in related areas when your situation calls for it.

Compensation and Fees

Education

Bachelor of Business Administration - Paul

University of Iowa - Iowa City, IA
August 1999- May 2003

Bachelors Degree - Josh

University of Northern Iowa - Cedar Falls, IA
August 1992- May 1996

Faqs

What are your qualifications? What is your education background?In 2010, Paul earned his CERTIFITED FINANCIAL PLANNER? designation which requires passing rigorous education, experience and ethics requirements. The CFP® certification is one that indicates a holistic approach to planning and personal financial management.

What is your approach to financial planning?Financial Planning is an essential part of Silvercap. We review the entire financial picture to build a plan where everything fits together. Using sophisticated planning tools, we provide a comprehensive approach to identify solutions and create your customized strategy.

What services do you offer?At Silvercap, we provide a holistic approach to wealth management. This includes, but is not limited to: Financial Planning, Investment Management & Life Insurance

How many clients do you currently manage?400+

Will you be the only person working with me?We believe that working with a team of advisors, gives our clients an advantage to other one-on-one relationships. Josh and Paul have been working together since 2006 and compliment each other very well. Danielle (Office Manager) also helps everything flow smoothly by providing top notch customer service and attention to detail.

FAQs

What are your qualifications? What is your education background?In 2010, Paul earned his CERTIFITED FINANCIAL PLANNER? designation which requires passing rigorous education, experience and ethics requirements. The CFP® certification is one that indicates a holistic approach to planning and personal financial management.

What is your approach to financial planning?Financial Planning is an essential part of Silvercap. We review the entire financial picture to build a plan where everything fits together. Using sophisticated planning tools, we provide a comprehensive approach to identify solutions and create your customized strategy.

What services do you offer?At Silvercap, we provide a holistic approach to wealth management. This includes, but is not limited to: Financial Planning, Investment Management & Life Insurance

How many clients do you currently manage?400+

Will you be the only person working with me?We believe that working with a team of advisors, gives our clients an advantage to other one-on-one relationships. Josh and Paul have been working together since 2006 and compliment each other very well. Danielle (Office Manager) also helps everything flow smoothly by providing top notch customer service and attention to detail.

How are you compensated? How will I pay for your services?Fee Based or Commission

What financial institution(s) do you represent?As an Independent Financial Advisor, we are not tied to any one investment company which means we have many tools at our disposal. Through numerous institutional networks, we have access to thousands of mutual funds, hundreds of money managers and other unique alternative investments. No matter what the situation brings, we have a wide variety of strategies to implement.

Do you provide a free initial consultation?Yes. At Silvercap, we understand that working with a new advisor is a major change that takes time and consideration. We move at your own pace and you will never feel pressured to make decisions before you feel comfortable.

Disclaimer

Joshua Cross and Paul Espey, CFP®

CERTIFIED FINANCIAL PLANNER™ Certificant

Joshua is a Co-Founder and President of Silvercap Wealth Management. Josh grew up on an acreage outside of Colfax, Iowa. Before starting his career in financial services, he enlisted in the Iowa ARMY National Guard and went on to graduate from Fort Benning where he was assigned as a paratrooper to the 194th Long Range Surveillance Detachment (Airborne). After graduating from the University of Northern Iowa, he was commissioned as an Officer serving in the Iowa ARMY National Guard and the ARMY Reserves.

Josh?s first experience as a Financial Advisor was for a fraternal life insurance company based out of the Midwest. Rising in the ranks quickly, Josh soon became one of the top advisors in the company. After developing his client base for six years, Josh transitioned to Des Moines where he served for seven years as a Senior Investment Advisor for one of the top investment advisory firms in the nation.

Paul is a Co-Founder and Partner at Silvercap Wealth Management. Paul grew up in Des Moines and graduated from the University of Iowa. Since 2004, he has become well rounded in the industry by working in many different facets of the industry. After several positions supporting other Financial Advisors, Paul began working directly with clients to achieve their financial and investment goals.

In 2010, Paul earned his CERTIFITED FINANCIAL PLANNER? designation which requires passing rigorous education, experience and ethics requirements. The CFP® certification is one that indicates a holistic approach to planning and personal financial management.

My Services

Financial Planning for Individuals

Financial Planning is an essential part of Silvercap. In
today?s world, it?s now more important than ever to make
sure you?ve effectively planned for your family?s financial
future. There are a lot of uncertainties in the future and
the only thing we have control over is what we do today,
for tomorrow.
Rather than only focusing on your investments, we review
the entire financial picture to build a plan where
everything fits together. This involves an analysis of a
broad range of items such as risk mitigation, taxes, estate
planning, Social Security & Medicare, just to name a few.
Using sophisticated planning tools, we provide a
comprehensive approach to identify solutions and create
your customized strategy. At Silvercap, it?s important that
each investment recommendation we make, fits with your
overall plan.

Portfolio Management

We believe that the foundation of any well-managed
investment portfolio is built with a strong diversified
portfolio of marketable securities such as mutual funds,
stocks and fixed income. Whether you?re aiming to out-pace
the stock market, or targeting a specific return to reach
your goal, we have strategies for it all. We don?t believe
in the commonly prescribed ?Buy, Hold & Pray? approach,
particularly with the market we?ve experienced over the
past 15 years. Our system is designed to provide every
client, large or small, with the same personal attention
where each portfolio is consistently monitored and actively
managed.

Investment Management & Advice

Through our experience of managing clients? portfolios, we
have established partnerships with cutting edge custodians,
top-tier money managers and alternative investment firms to
bring all the appropriate tools in an ?independent and
unbiased? environment in an effort to seek out the best
risk adjusted net returns appropriate to you. We also
partner amongst our fellow advisory teams to share in the
knowledge that each advisor has developed over their
career. The singular objective of this process is to
deliver the best service and investment management
experience for you, the client.

Financial Planning for Individuals

Financial Planning is an essential part of Silvercap. In
today?s world, it?s now more important than ever to make
sure you?ve effectively planned for your family?s financial
future. There are a lot of uncertainties in the future and
the only thing we have control over is what we do today,
for tomorrow.
Rather than only focusing on your investments, we review
the entire financial picture to build a plan where
everything fits together. This involves an analysis of a
broad range of items such as risk mitigation, taxes, estate
planning, Social Security & Medicare, just to name a few.
Using sophisticated planning tools, we provide a
comprehensive approach to identify solutions and create
your customized strategy. At Silvercap, it?s important that
each investment recommendation we make, fits with your
overall plan.

Portfolio Management

We believe that the foundation of any well-managed
investment portfolio is built with a strong diversified
portfolio of marketable securities such as mutual funds,
stocks and fixed income. Whether you?re aiming to out-pace
the stock market, or targeting a specific return to reach
your goal, we have strategies for it all. We don?t believe
in the commonly prescribed ?Buy, Hold & Pray? approach,
particularly with the market we?ve experienced over the
past 15 years. Our system is designed to provide every
client, large or small, with the same personal attention
where each portfolio is consistently monitored and actively
managed.

Investment Management & Advice

Through our experience of managing clients? portfolios, we
have established partnerships with cutting edge custodians,
top-tier money managers and alternative investment firms to
bring all the appropriate tools in an ?independent and
unbiased? environment in an effort to seek out the best
risk adjusted net returns appropriate to you. We also
partner amongst our fellow advisory teams to share in the
knowledge that each advisor has developed over their
career. The singular objective of this process is to
deliver the best service and investment management
experience for you, the client.

My Team

Paul Espey

CFP®

Paul is a Co-Founder and Partner at Silvercap Wealth Management. Paul grew up in Des Moines and graduated from the University of Iowa. For the past ten years, he has become well rounded in the industry by working in many different facets of the industry. Paul began his career as a customer service representative for one of the largest Retirement Plan providers in the nation. He then worked for a large Independent Broker/Dealer, supporting more than 2,000 investment advisors throughout the nation
...more

Paul is a Co-Founder and Partner at Silvercap Wealth Management. Paul grew up in Des Moines and graduated from the University of Iowa. For the past ten years, he has become well rounded in the industry by working in many different facets of the industry. Paul began his career as a customer service representative for one of the largest Retirement Plan providers in the nation. He then worked for a large Independent Broker/Dealer, supporting more than 2,000 investment advisors throughout the nation. His desire to work directly with clients led him into the ?wire-house? world by working for two successful advisors in the Las Vegas market. While these were all valuable experiences, Paul soon realized the best route to help clients reach their financial goals and make the largest impact was to work with a smaller, independent advisory firm. This led him back to Des Moines where, since 2006, Paul has been gaining valuable experience working directly with clients to achieve their financial and investment goals.
In 2010, Paul earned his CERTIFITED FINANCIAL PLANNER? designation which requires passing rigorous education, experience and ethics requirements. The CFP® certification is one that indicates a holistic approach to planning and personal financial management.
Paul lives in West Des Moines with his wife Mandy, their young son William, and chocolate lab Tucker. In his spare time, Paul volunteers for the Blank Park Zoo Ambassadors and enjoys running, the Iowa Hawkeyes, golf and spending time with family and friends.

Joshua Cross

Joshua is a Co-Founder and President of Silvercap Wealth Management. Josh grew up on an acreage outside of Colfax, Iowa. Before starting his career in financial services, he enlisted in the Iowa ARMY National Guard and went on to graduate from Fort Benning where he was assigned as a paratrooper to the 194th Long Range Surveillance Detachment (Airborne). After graduating from the University of Northern Iowa, he was commissioned as an Officer serving in the Iowa ARMY National Guard and the ARMY Re
...more

Joshua is a Co-Founder and President of Silvercap Wealth Management. Josh grew up on an acreage outside of Colfax, Iowa. Before starting his career in financial services, he enlisted in the Iowa ARMY National Guard and went on to graduate from Fort Benning where he was assigned as a paratrooper to the 194th Long Range Surveillance Detachment (Airborne). After graduating from the University of Northern Iowa, he was commissioned as an Officer serving in the Iowa ARMY National Guard and the ARMY Reserves.
Josh?s first experience as a Financial Advisor was for a fraternal life insurance company based out of the Midwest. Rising in the ranks quickly, Josh soon became one of the top advisors in the company. After developing his client base for six years, Josh transitioned to Des Moines where he served for seven years as a Senior Investment Advisor for one of the top investment advisory firms in the nation.
Josh and his wife Tami live near Van Meter with their daughter Josie and son Walker. Josh is a den leader of Cub Scouts, a member of the United Methodist Church, Isaac Walton League, AMVETS, plus other community causes. In his spare time, Josh enjoys hunting, off-roading, SCUBA diving, and spending time with family and friends.

Danielle Vandehaar

Danielle is Client Service Manager at Silvercap Wealth Management. A native of Iowa, she has worked in the financial services industry since graduating from Buena Vista University in 2006. With a degree in Communications, Danielle brings a wealth of experience and knowledge to the team.
After working for two large financial companies during her career, Danielle learned early on that building relationships and working with clients one-on-one was her true passion rather than the larger institutio
...more

Danielle is Client Service Manager at Silvercap Wealth Management. A native of Iowa, she has worked in the financial services industry since graduating from Buena Vista University in 2006. With a degree in Communications, Danielle brings a wealth of experience and knowledge to the team.
After working for two large financial companies during her career, Danielle learned early on that building relationships and working with clients one-on-one was her true passion rather than the larger institutional approach. Danielle started working for Silvercap?s founding team in 2008 and has been an important component its success today. Her passion for our clients? well-being and the work she does to provide them with an outstanding client experience makes her the embodiment of what Silvercap Wealth Management strives for every day.
Danielle lives in West Des Moines with her husband, Adam, and their 2 cats, Korben & LeeLoo. In her spare time she enjoys reading, knitting and walking with her husband.

Social Networks

Research This Advisor

* Financial Advisors in our network may be dually registered advisors; in addition to being registered as an RIA, may also be registered representatives offering securities through broker dealers. ** We pre-screen advisors for experience, advisor compensation (fee-based or fee-only), licensing and disclosures with SEC/FINRA. By using this site you agree to our terms of service.